Ho to upgrade Infinia from existing 10L regalia?

[dhshankar]

I have regalia with 10L credit limit and when I request for infinia upgrade - then asked for 3.5 Lakhs monthly salary .

Since I am not earning what they requested , can anyone let me know how to get upgrade with existing credit limit of 10L

 

[Souvik]

And here I am not upgrading my account coz I don't want another marketing guy bothering me! #SavingsMax #HeadacheMin 🤣

Cool, no significant benefits in upgrading.

 

[bdasultan]

I have upgraded to Infinia from Regalia recently. I didn't get LE for last two years. My limit was at 6.7, had I got LE, it would have crossed the minimum 8L limit.
I saw the required conditions on Twitter shared by card maven or Technofino
8L and 2.7L in hand salary
Or
8L and last 6 months more than 7.5 L spends.
I have contacted RM. It was utter useless and water of time. She mentioned it would require more than 3L in hand Salary.
Upgraded to Classic Banking a month before planning to upgrade.
I had also hit 8L spend milestone on my existing Regalia.
Sent out a mail to Grievance redressal, they forwarded me the application to fill and there was lot of back and forth as they wanted me to send it to Chennai branch and I have criticized them why they aren't doing it completely online when IDFC, Onecard take 10 minutes for the approval and completely online onboarding process.
They were nudging towards the DCB, and even I thought that I would do the same as the salary criteria won't be met without including the bonus and no where close to 7.5L spend milestone in 6 months as well.
I have also applied for SC Ultimate meanwhile as a backup card for DCB.
I thought why not give a try for Infinia as I have been using HDFC card for 10 years and also a personal loan running now. I had paid off a personal loan, couple of credit card jumbo loans over these years. If rejected, I can still apply for DCB.
Guess that relationship with them helped me for the upgrade.

I'm currently sailing in the same boat as you were. Could you help me with Grievance redressal email id and what did you say to them? And how did you finally get LE and Infinia? Thanks so much!

 

[BankExpertIndia]

@anirbanm mentioned that condition is either of them, can anyone please clarify which has better chances of approval.

Since getting a limit of 8L can be done over a time, but spending 8L in previous 6 months may not be possible.

8L Of CL Will Be Preferred More

 

[BankExpertIndia]

All HDFC RMs are useless

Mine RM Was A Good One!

 

[thunderbolt]

But I got my first unsecured CC from my preferred account so I somehow consider my preferred account lucky

I too got my first unsecured Millenia CC with 75k limit from my preferred account after the ban was lifted.

 

[thunderbolt]

Been using it for 10 months, no LE offers yet 😢

 

[saiki4116]

I'm currently sailing in the same boat as you were. Could you help me with Grievance redressal email id and what did you say to them? And how did you finally get LE and Infinia? Thanks so much!

I didn't get LE for 2 years and with the Salary I had 2 years back, I should've been eligible for DCB. I pointed them out these 2 points and asked for LE and card upgrade eligibility for Infinia. When my bonus credited to my Salary account few months, upgrade card option was enabled, when I submitted it says we will come back with a decision. Similar error message was coming whenever I try card upgrade in Net banking after wards, so I attached screenshots of that and asked them why this bug exists even for months. I mentioned how useless is the Customer care and RM in clarifying why that error message is coming. Basically it was lengthy email showing how disappointed in HDFC service.

What's funny is that Upgrade button is still present besides the card info(beside Infinia) on Mobile app, it says a totally useless we are coming soon message on clicking it.

 

[SubhankarSubhankar is verified member.]

HDFC is strict with the criteria now a days. Have you completed the criteria of spending 8L in past 6 months? Specifically the past 6 months only. If you've done that, they should upgrade you to Infinia. If they still don't, wait for a week, and mail them again. Few people faced this issue and multiple retries gave them Infinia upgrade.